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Americans will soon have one more alternative to Obamacare, thanks to the Trump administration.Officials Tuesday proposed regulations that will make it easier to obtain coverage through short-term health insurance plans by allowing insurers to sell policies that last just under a year. The new rules stem from an executive order President Donald Trump signed in October aimed at boosting competition, giving consumers more choices and lowering premiums."Americans need more choices in health insurance so they can find coverage that meets their needs," said Health and Human Services Secretary Alex Azar. "The status quo is failing too many Americans who face skyrocketing costs and fewer and fewer choices. The Trump Administration is taking action so individuals and families have access to quality, affordable healthcare that works for them."The proposal would reverse an Obama administration decision to limit the duration of short-term health plans to no more than 90 days in order to make them less attractive.Such plans could roil the Obamacare market, drawing healthier consumers away from the exchanges and pushing up the premiums for those who remain.Short-term health plans, which have been available for years and were originally designed to fill a temporary gap in coverage, are likely to be cheaper than Obamacare policies. But that's because they don't have to adhere to Obamacare's consumer protections, allowing them to do such things as exclude those with pre-existing conditions and base rates on applicants' medical history.Also, they don't have to offer comprehensive coverage. Typically, short-term policies don't provide free preventative care or maternity, prescription drugs and mental health benefits. They can also impose annual or lifetime limits, meaning they may only pay out a set amount -- often million or less -- leaving the policyholder on the hook for the rest. And, unlike Obamacare policies, they don't have to cap consumers' cost-sharing burden at ,350 for 2018.Young and healthy folks may like these plans because they come with lower monthly premiums. But those who actually need care could find themselves having to pay more out of pocket for treatment and medications. In fact, some consumers with these plans have complained that they've been hit with unexpected expenses.Also, insurers aren't required to renew the policies so those who become sick could find themselves unable to sign up again for the same plan."People who buy short-term policies today in order to reduce their monthly premiums take a risk that, if they do need medical care, they could be left with uncovered bills and/or find themselves uninsurable under such plans in the future," wrote Karen Pollitz, senior fellow at the Kaiser Family Foundation, in a recent policy brief.Have you ever had a short-term insurance policy? What was your experience? Tell us about it here.Consumers today can find short-term plans that cost as little as 20% of the least expensive Obamacare plan, according to Pollitz.In its announcement about the proposed rules, the Trump administration said short-term policies are designed to fill a temporary gap in coverage. It will require insurers to notify consumers that the plans are not required to comply with all of Obamacare's mandates.The administration will accept comments on the proposed rule for the next 60 days.Those with short-term policies are not considered insured under the Affordable Care Act and are subject to the penalty for not having coverage. But this will not be an issue after this year since Congress effectively eliminated the individual mandate -- which requires nearly all Americans to be insured or pay a penalty -- starting in 2019 as part of its tax overhaul bill.The proposed regulations are the latest step in the Trump administration's quest to weaken Obamacare. Last month, officials unveiled a proposed rule that would make it easier for small businesses -- and some self-employed folks -- to band together and buy health insurance. That proposal also stemmed from Trump's executive order and is designed to broaden access to what are known as association health plans.  4169

As Chicago continues to grapple with gun violence, one jail is trying something different in an effort to combat the problem.The program is called SAVE, and it’s spearheaded by Sheriff Tom Dart of the Cook County Jail. The program aims to save a community from gun violence by targeting people who might be able to make the biggest difference.“We can continue with the broken model, make them worse than when they came in here, because they’ll be associated with other criminals, and then jettison them to a community where they’ll be a cancer, or we can take a person who has issues, break down what those issues are, address those, and now send them back to a community where now they’re sort of a light in the community,” Sheriff Dart explains. “They went from being the cancer to where they’re the one people are talking about.”During these classes, officials and inmates will start with a game. It helps to ease the tension in a room, where the men, who are in their late teens and early 20’s, are asked to dig deep on tough topics involving their personal lives.The program also aims to help the men manage anger and resolve conflict. It even trains on how to land a job or start a career.SAVE stands for the Sheriff’s Anti-Violence Effort.“The larger population we have here are folks that could actively have their trajectory changed if given different opportunities, different ways to look at life,” Sheriff Dart explains.The SAVE program is unique to Cook County, and it’s totally voluntary. It was created as a way to combat Chicago’s gun epidemic, by tackling the cognitive behavior of the men who, for whatever reason, ended up behind bars.“The reality is if you’re [going to] address these problems, you have to address the players in the system,” says Sheriff Dart. “The players all have individual issues, all have good things and bad things that they have.”For inmate Rico Potts, it’s helping him to realize his long-term goals.“Career wise, I wanna be a psychologist. I wanna talk to kids and help kids, because I feel like my story will kinda help them,” Potts says.He’s seeing firsthand how these instructors’ stories are helping him.The program stuck with former inmate Jelani Hines, who got out of jail but still keeps in touch with the program, saying it helped him land a job.“You have to be willing to commit,” Hines says. “Nobody’s gonna hold your hand.” 2393

An executive action President Trump issued Saturday on the deferral of payroll taxes could put more money in your pocket soon. Much is still unknown about how the order will be implemented, but experts say to keep a few things in mind before making plans for that extra cash.1. It’s temporaryMany employees have a 6.2% Social Security tax withheld from their paychecks and remitted to the IRS on their behalf by their employer. “The executive order defers the withholding, deposit and payment of the tax,” says Matthew Keefer, a certified public accountant at Gorfine, Schiller & Gardyn in Owings Mills, Maryland. The deferral period runs from Sept. 1 through Dec. 31.2. You may not qualifyThe deferral is available only to employees whose pretax wages or compensation is generally less than ,000 biweekly, which works out to around 0,000 a year. And currently it doesn’t apply to people who are self-employed, notes Pete Isberg, vice president of government relations at human resources services firm ADP.3. The taxes are due eventually“This is a deferral of taxes, not a forgiveness of taxes,” says Michael Graetz, a tax law professor at Columbia University Law School in New York. “So at the end of the deferral period, all of those taxes will be owed unless Congress changes the law to say that they’re forgiven.”4. Consider setting the extra money aside for nowIf your employer stops withholding and you see a boost in your pay because of it, you might want to hang on to that cash for now, Keefer says. “Unless legislation is passed, the deferred tax from the executive order will be repaid in the future,” he says. Another option, Isberg adds, is to tell your employer to withhold additional money by filling out a new form W-4 at work.Of course, not all households can afford to set money aside these days. Still, if you need the money from this tax deferral now, don’t lose sight of the fact it could mean a tax bill later.5. Some employers may just keep withholding the tax anywayIt can take time for employers to revamp payroll systems, especially if they’re not using a payroll processing company, according to Isberg. Also, employers can be liable for employment taxes, even if they don’t withhold them, he says. “Employers know that, and they’re going to realize that, ‘Look, if I do this, could the IRS come back to me in January and just assess the full amount that should have been withheld?’ Well, technically they can,” Isberg explains.Most employers won’t want to ask their employees to repay four months of taxes, Graetz adds. “This turns out to be a very complicated problem,” he says.More From NerdWalletSome Taxpayers Face a Desperate Wait for IRS RefundsHow to Work Around Delays in Major IRS FunctionsIRS Data: Refunds Lag as Agency, Tax Filers Slow DownTina Orem is a writer at NerdWallet. Email: torem@nerdwallet.com. 2862

ANAHEIM, Calif. (KGTV) - "Toy Story" fans will be "eternally grateful" when they visit Disneyland's Tomorrowland this summer.In honor of Pixar Fest, the park will transform Redd Rocket's Pizza Port into "Toy Story's" Alien Pizza Planet, featured prominently in the Pixar animated movies.Pizza Planet is most memorable for its host of little green aliens who worshipped "the claw" (a claw machine) and expressed gratitude upon their rescue from the pizza place (repeating "we are eternally grateful.")RELATED: Several Downtown Disney businesses to close for 700-room hotelAmong the delicious pizza additions will be a specialty pepperoni-green pepper pizza and cheeseburger pizza. The latter of which includes ketchup, yellow mustard and pizza sauce with cheese, slider patties, a house-made burger sauce, and pickles.The change is just one of the park's ways of celebrating Pixar Fest from April 13 through Sept. 3. The festival will cover both Disneyland and California Adventure parks.The festival will also feature the opening of Pixar Pier, where guests can run around with characters from "Toy Story," "The Incredibles," "WALL-E," and "Inside Out." The park will also bring back their Paint the Night parade and introduce a new Pixar-themed fireworks show. 1289

As coronavirus cases reached a new high on Friday in the US, Dr. Anthony Fauci now believes a mask mandate is necessary to stop the spread of the virus.But Dr. Fauci acknowledges enforcing a mask mandate is a challenge. Adding to the challenge, officials in recent days say that family gatherings are becoming a significant reason why cases are growing throughout the US.“I think that would be a great idea to have everybody do it uniformly,” Fauci said in an interview on CNN on Friday. “And one of the issues though, I get the argument say, 'Well, if you mandate a mask, then you're going to have to enforce it and that'll create more of a problem.' Well, if people are not wearing masks, then maybe we should be mandating it."The University of Washington’s Institute for Health Metrics and Evaluation projects that near universal mask wearing outside of the household would save anywhere from 60,000 to 160,000 lives in the US between now and February 1.While many public institutions, such as grocery stores, restaurants, and other facilities have implemented mask and social distancing policies to help slow the virus, public health officials say smaller, more interment gatherings, are where many are letting their guard down.With colder weather setting in and major holidays upcoming, public health officials are becoming increasingly concerned as cases increase throughout much of the US.“Smaller more intimate gatherings of family, friends and neighbors may be driving infection as well especially as these gatherings move indoors and adherence to face coverings and social distancing may not be optimal,” said Dr. Jay Butler, deputy director of infectious diseases at the CDC. “I recognize that we are all getting tired of the impact that COVID-19 has had on our lives. We get tired of wearing masks but it continues to be as important as it’s ever been and I would say it’s more important than ever as we move into the fall season.”Health and Human Service Secretary Alex Azar agrees with Dr. Butler’s assessment.“We’ve got to keep focused on washing our hands, watching our distance and wearing our face coverings when we can't watch our distance and in particular being careful in household gatherings. This has become a major vector of disease spread,” Azar told CNN’s Jim Sciutto. 2303